\n\n\n\n
![\"\u2705\"](\"https:\/\/i0.wp.com\/fonts.gstatic.com\/s\/e\/notoemoji\/16.0\/2705\/72.png?ssl=1\")
1. Estate Tax Reduction<\/strong><\/h3>\n\n\n\n\n- Life insurance proceeds inside an ILIT are\u00a0excluded from your taxable estate<\/strong>, potentially saving your heirs significant\u00a0federal and state estate taxes<\/strong>.<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 2. Creditor Protection<\/strong><\/h3>\n\n\n\n\n- Assets in an ILIT are\u00a0generally protected from creditors<\/strong>, both yours and your beneficiaries\u2019, offering a level of\u00a0financial shield<\/strong>\u00a0in case of lawsuits or debt.<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 3. Controlled Distribution<\/strong><\/h3>\n\n\n\n\n- The ILIT allows you to set\u00a0specific terms for how and when<\/strong>\u00a0beneficiaries receive the funds \u2014 e.g., staggered payments, age-based distributions, or restricted use.<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 4. Liquidity for Estate<\/strong><\/h3>\n\n\n\n\n- Life insurance proceeds can provide\u00a0liquidity to pay estate taxes<\/strong>, debts, or other obligations\u00a0without selling estate assets<\/strong>\u00a0like real estate or business interests.<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 5. Avoid Probate<\/strong><\/h3>\n\n\n\n\n- Because the ILIT is a trust and the insurance payout goes directly into it, the\u00a0proceeds avoid probate<\/strong>, ensuring a faster and more private distribution.<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 6. Preserve Government Benefits<\/strong><\/h3>\n\n\n\n\n- With careful design, an ILIT can hold life insurance for a\u00a0disabled beneficiary<\/strong>\u00a0without disqualifying them from\u00a0government assistance<\/strong>\u00a0(e.g., SSI or Medicaid).<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 7. Gift Tax Planning with Crummey Powers<\/strong><\/h3>\n\n\n\n\n- Contributions to the ILIT (to pay insurance premiums) can qualify for the\u00a0annual gift tax exclusion<\/strong>\u00a0if beneficiaries are given “Crummey powers” (temporary withdrawal rights), reducing the need to use up lifetime gift exemptions.<\/li>\n<\/ul>\n\n\n\n
<\/p>\n\n\n\n![\"\"](\"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-17-at-11.12.08%E2%80%AFAM.png?resize=1024%2C577&ssl=1\")
<\/figure>\n\n\n\n![\"\"](\"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2025\/04\/Screenshot-2025-04-17-at-11.11.03%E2%80%AFAM.png?resize=1024%2C565&ssl=1\")
<\/figure>","protected":false},"excerpt":{"rendered":"An Irrevocable Life Insurance Trust (ILIT) is […]<\/p>\n","protected":false},"author":222663696,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"footnotes":""},"class_list":["post-9987","page","type-page","status-publish","hentry"],"jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/Pe80is-2B5","jetpack-related-posts":[{"id":10302,"url":"https:\/\/lw-groups.com\/en\/estate-planning\/","url_meta":{"origin":9987,"position":0},"title":"Estate planning","author":"loyaltydw","date":"11\/08\/2025","format":false,"excerpt":"An\u00a0Irrevocable Life Insurance Trust (ILIT)&nb\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8165,"url":"https:\/\/lw-groups.com\/en\/serviceitems\/","url_meta":{"origin":9987,"position":1},"title":"Services","author":"loyaltydw","date":"23\/09\/2022","format":false,"excerpt":"\u7a05\u52d9\u512a\u5316 Tax Planning \u5831\u7a05\u662f\u7fa9\u52d9\uff0c\u7701\u7a05\u662f\u6b0a\u5229\u3002 Strategies and solu\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":8504,"url":"https:\/\/lw-groups.com\/en\/life-insurance-details\/","url_meta":{"origin":9987,"position":2},"title":"Life Insurance Details","author":"loyaltydw","date":"10\/11\/2022","format":false,"excerpt":"Key takeaways *Prepare ahead so you can protect yo\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"Hierarchical chart explaining different types of life insurance.","src":"https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":8518,"url":"https:\/\/lw-groups.com\/en\/tax-strategy-details\/","url_meta":{"origin":9987,"position":3},"title":"Tax Strategy Details","author":"loyaltydw","date":"10\/11\/2022","format":false,"excerpt":"WHAT IS A ROTH IRA CONVERSION? If you currently ow\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2026\/02\/6ebaa137-fe64-407f-9bbd-ebb87da7f50f.jpeg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2026\/02\/6ebaa137-fe64-407f-9bbd-ebb87da7f50f.jpeg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2026\/02\/6ebaa137-fe64-407f-9bbd-ebb87da7f50f.jpeg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2026\/02\/6ebaa137-fe64-407f-9bbd-ebb87da7f50f.jpeg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":9504,"url":"https:\/\/lw-groups.com\/en\/real-estate-investment\/","url_meta":{"origin":9987,"position":4},"title":"Real Estate Investment","author":"loyaltydw","date":"19\/06\/2024","format":false,"excerpt":"\u5ef6\u671f\u9500\u552e\u4fe1\u6258\uff08Deferred Sales Trust\uff0cDST\uff09\u662f\u4e00\u79cd\u4e3b\u8981\u7528\u4e8e\u63a8\u8fdf\u51fa\u552e\u589e\u503c\u8d44\u4ea7\u7684\u8d44\u672c\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8816,"url":"https:\/\/lw-groups.com\/en\/long-term-care-details\/","url_meta":{"origin":9987,"position":5},"title":"Long Term Care Details","author":"loyaltydw","date":"07\/02\/2023","format":false,"excerpt":"What is Long-Term Care? Long-term care involves th\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=700%2C400&ssl=1 2x"},"classes":[]}],"_links":{"self":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages\/9987","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/users\/222663696"}],"replies":[{"embeddable":true,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/comments?post=9987"}],"version-history":[{"count":5,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages\/9987\/revisions"}],"predecessor-version":[{"id":10230,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages\/9987\/revisions\/10230"}],"wp:attachment":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/media?parent=9987"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\n\n\n\n
2. Creditor Protection<\/strong><\/h3>\n\n\n\n\n- Assets in an ILIT are\u00a0generally protected from creditors<\/strong>, both yours and your beneficiaries\u2019, offering a level of\u00a0financial shield<\/strong>\u00a0in case of lawsuits or debt.<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 3. Controlled Distribution<\/strong><\/h3>\n\n\n\n\n- The ILIT allows you to set\u00a0specific terms for how and when<\/strong>\u00a0beneficiaries receive the funds \u2014 e.g., staggered payments, age-based distributions, or restricted use.<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 4. Liquidity for Estate<\/strong><\/h3>\n\n\n\n\n- Life insurance proceeds can provide\u00a0liquidity to pay estate taxes<\/strong>, debts, or other obligations\u00a0without selling estate assets<\/strong>\u00a0like real estate or business interests.<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 5. Avoid Probate<\/strong><\/h3>\n\n\n\n\n- Because the ILIT is a trust and the insurance payout goes directly into it, the\u00a0proceeds avoid probate<\/strong>, ensuring a faster and more private distribution.<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 6. Preserve Government Benefits<\/strong><\/h3>\n\n\n\n\n- With careful design, an ILIT can hold life insurance for a\u00a0disabled beneficiary<\/strong>\u00a0without disqualifying them from\u00a0government assistance<\/strong>\u00a0(e.g., SSI or Medicaid).<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 7. Gift Tax Planning with Crummey Powers<\/strong><\/h3>\n\n\n\n\n- Contributions to the ILIT (to pay insurance premiums) can qualify for the\u00a0annual gift tax exclusion<\/strong>\u00a0if beneficiaries are given “Crummey powers” (temporary withdrawal rights), reducing the need to use up lifetime gift exemptions.<\/li>\n<\/ul>\n\n\n\n
<\/p>\n\n\n\n<\/figure>\n\n\n\n<\/figure>","protected":false},"excerpt":{"rendered":"An Irrevocable Life Insurance Trust (ILIT) is […]<\/p>\n","protected":false},"author":222663696,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"footnotes":""},"class_list":["post-9987","page","type-page","status-publish","hentry"],"jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/Pe80is-2B5","jetpack-related-posts":[{"id":10302,"url":"https:\/\/lw-groups.com\/en\/estate-planning\/","url_meta":{"origin":9987,"position":0},"title":"Estate planning","author":"loyaltydw","date":"11\/08\/2025","format":false,"excerpt":"An\u00a0Irrevocable Life Insurance Trust (ILIT)&nb\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8165,"url":"https:\/\/lw-groups.com\/en\/serviceitems\/","url_meta":{"origin":9987,"position":1},"title":"Services","author":"loyaltydw","date":"23\/09\/2022","format":false,"excerpt":"\u7a05\u52d9\u512a\u5316 Tax Planning \u5831\u7a05\u662f\u7fa9\u52d9\uff0c\u7701\u7a05\u662f\u6b0a\u5229\u3002 Strategies and solu\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":8504,"url":"https:\/\/lw-groups.com\/en\/life-insurance-details\/","url_meta":{"origin":9987,"position":2},"title":"Life Insurance Details","author":"loyaltydw","date":"10\/11\/2022","format":false,"excerpt":"Key takeaways *Prepare ahead so you can protect yo\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"Hierarchical chart explaining different types of life insurance.","src":"https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":8518,"url":"https:\/\/lw-groups.com\/en\/tax-strategy-details\/","url_meta":{"origin":9987,"position":3},"title":"Tax Strategy Details","author":"loyaltydw","date":"10\/11\/2022","format":false,"excerpt":"WHAT IS A ROTH IRA CONVERSION? If you currently ow\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2026\/02\/6ebaa137-fe64-407f-9bbd-ebb87da7f50f.jpeg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2026\/02\/6ebaa137-fe64-407f-9bbd-ebb87da7f50f.jpeg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2026\/02\/6ebaa137-fe64-407f-9bbd-ebb87da7f50f.jpeg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2026\/02\/6ebaa137-fe64-407f-9bbd-ebb87da7f50f.jpeg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":9504,"url":"https:\/\/lw-groups.com\/en\/real-estate-investment\/","url_meta":{"origin":9987,"position":4},"title":"Real Estate Investment","author":"loyaltydw","date":"19\/06\/2024","format":false,"excerpt":"\u5ef6\u671f\u9500\u552e\u4fe1\u6258\uff08Deferred Sales Trust\uff0cDST\uff09\u662f\u4e00\u79cd\u4e3b\u8981\u7528\u4e8e\u63a8\u8fdf\u51fa\u552e\u589e\u503c\u8d44\u4ea7\u7684\u8d44\u672c\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8816,"url":"https:\/\/lw-groups.com\/en\/long-term-care-details\/","url_meta":{"origin":9987,"position":5},"title":"Long Term Care Details","author":"loyaltydw","date":"07\/02\/2023","format":false,"excerpt":"What is Long-Term Care? Long-term care involves th\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=700%2C400&ssl=1 2x"},"classes":[]}],"_links":{"self":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages\/9987","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/users\/222663696"}],"replies":[{"embeddable":true,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/comments?post=9987"}],"version-history":[{"count":5,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages\/9987\/revisions"}],"predecessor-version":[{"id":10230,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages\/9987\/revisions\/10230"}],"wp:attachment":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/media?parent=9987"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\n\n\n\n
3. Controlled Distribution<\/strong><\/h3>\n\n\n\n\n- The ILIT allows you to set\u00a0specific terms for how and when<\/strong>\u00a0beneficiaries receive the funds \u2014 e.g., staggered payments, age-based distributions, or restricted use.<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 4. Liquidity for Estate<\/strong><\/h3>\n\n\n\n\n- Life insurance proceeds can provide\u00a0liquidity to pay estate taxes<\/strong>, debts, or other obligations\u00a0without selling estate assets<\/strong>\u00a0like real estate or business interests.<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 5. Avoid Probate<\/strong><\/h3>\n\n\n\n\n- Because the ILIT is a trust and the insurance payout goes directly into it, the\u00a0proceeds avoid probate<\/strong>, ensuring a faster and more private distribution.<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 6. Preserve Government Benefits<\/strong><\/h3>\n\n\n\n\n- With careful design, an ILIT can hold life insurance for a\u00a0disabled beneficiary<\/strong>\u00a0without disqualifying them from\u00a0government assistance<\/strong>\u00a0(e.g., SSI or Medicaid).<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 7. Gift Tax Planning with Crummey Powers<\/strong><\/h3>\n\n\n\n\n- Contributions to the ILIT (to pay insurance premiums) can qualify for the\u00a0annual gift tax exclusion<\/strong>\u00a0if beneficiaries are given “Crummey powers” (temporary withdrawal rights), reducing the need to use up lifetime gift exemptions.<\/li>\n<\/ul>\n\n\n\n
<\/p>\n\n\n\n<\/figure>\n\n\n\n<\/figure>","protected":false},"excerpt":{"rendered":"An Irrevocable Life Insurance Trust (ILIT) is […]<\/p>\n","protected":false},"author":222663696,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"footnotes":""},"class_list":["post-9987","page","type-page","status-publish","hentry"],"jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/Pe80is-2B5","jetpack-related-posts":[{"id":10302,"url":"https:\/\/lw-groups.com\/en\/estate-planning\/","url_meta":{"origin":9987,"position":0},"title":"Estate planning","author":"loyaltydw","date":"11\/08\/2025","format":false,"excerpt":"An\u00a0Irrevocable Life Insurance Trust (ILIT)&nb\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8165,"url":"https:\/\/lw-groups.com\/en\/serviceitems\/","url_meta":{"origin":9987,"position":1},"title":"Services","author":"loyaltydw","date":"23\/09\/2022","format":false,"excerpt":"\u7a05\u52d9\u512a\u5316 Tax Planning \u5831\u7a05\u662f\u7fa9\u52d9\uff0c\u7701\u7a05\u662f\u6b0a\u5229\u3002 Strategies and solu\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":8504,"url":"https:\/\/lw-groups.com\/en\/life-insurance-details\/","url_meta":{"origin":9987,"position":2},"title":"Life Insurance Details","author":"loyaltydw","date":"10\/11\/2022","format":false,"excerpt":"Key takeaways *Prepare ahead so you can protect yo\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"Hierarchical chart explaining different types of life insurance.","src":"https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":8518,"url":"https:\/\/lw-groups.com\/en\/tax-strategy-details\/","url_meta":{"origin":9987,"position":3},"title":"Tax Strategy Details","author":"loyaltydw","date":"10\/11\/2022","format":false,"excerpt":"WHAT IS A ROTH IRA CONVERSION? If you currently ow\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2026\/02\/6ebaa137-fe64-407f-9bbd-ebb87da7f50f.jpeg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2026\/02\/6ebaa137-fe64-407f-9bbd-ebb87da7f50f.jpeg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2026\/02\/6ebaa137-fe64-407f-9bbd-ebb87da7f50f.jpeg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2026\/02\/6ebaa137-fe64-407f-9bbd-ebb87da7f50f.jpeg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":9504,"url":"https:\/\/lw-groups.com\/en\/real-estate-investment\/","url_meta":{"origin":9987,"position":4},"title":"Real Estate Investment","author":"loyaltydw","date":"19\/06\/2024","format":false,"excerpt":"\u5ef6\u671f\u9500\u552e\u4fe1\u6258\uff08Deferred Sales Trust\uff0cDST\uff09\u662f\u4e00\u79cd\u4e3b\u8981\u7528\u4e8e\u63a8\u8fdf\u51fa\u552e\u589e\u503c\u8d44\u4ea7\u7684\u8d44\u672c\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8816,"url":"https:\/\/lw-groups.com\/en\/long-term-care-details\/","url_meta":{"origin":9987,"position":5},"title":"Long Term Care Details","author":"loyaltydw","date":"07\/02\/2023","format":false,"excerpt":"What is Long-Term Care? Long-term care involves th\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=700%2C400&ssl=1 2x"},"classes":[]}],"_links":{"self":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages\/9987","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/users\/222663696"}],"replies":[{"embeddable":true,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/comments?post=9987"}],"version-history":[{"count":5,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages\/9987\/revisions"}],"predecessor-version":[{"id":10230,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages\/9987\/revisions\/10230"}],"wp:attachment":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/media?parent=9987"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\n\n\n\n
4. Liquidity for Estate<\/strong><\/h3>\n\n\n\n\n- Life insurance proceeds can provide\u00a0liquidity to pay estate taxes<\/strong>, debts, or other obligations\u00a0without selling estate assets<\/strong>\u00a0like real estate or business interests.<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 5. Avoid Probate<\/strong><\/h3>\n\n\n\n\n- Because the ILIT is a trust and the insurance payout goes directly into it, the\u00a0proceeds avoid probate<\/strong>, ensuring a faster and more private distribution.<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 6. Preserve Government Benefits<\/strong><\/h3>\n\n\n\n\n- With careful design, an ILIT can hold life insurance for a\u00a0disabled beneficiary<\/strong>\u00a0without disqualifying them from\u00a0government assistance<\/strong>\u00a0(e.g., SSI or Medicaid).<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 7. Gift Tax Planning with Crummey Powers<\/strong><\/h3>\n\n\n\n\n- Contributions to the ILIT (to pay insurance premiums) can qualify for the\u00a0annual gift tax exclusion<\/strong>\u00a0if beneficiaries are given “Crummey powers” (temporary withdrawal rights), reducing the need to use up lifetime gift exemptions.<\/li>\n<\/ul>\n\n\n\n
<\/p>\n\n\n\n<\/figure>\n\n\n\n<\/figure>","protected":false},"excerpt":{"rendered":"An Irrevocable Life Insurance Trust (ILIT) is […]<\/p>\n","protected":false},"author":222663696,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"footnotes":""},"class_list":["post-9987","page","type-page","status-publish","hentry"],"jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/Pe80is-2B5","jetpack-related-posts":[{"id":10302,"url":"https:\/\/lw-groups.com\/en\/estate-planning\/","url_meta":{"origin":9987,"position":0},"title":"Estate planning","author":"loyaltydw","date":"11\/08\/2025","format":false,"excerpt":"An\u00a0Irrevocable Life Insurance Trust (ILIT)&nb\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8165,"url":"https:\/\/lw-groups.com\/en\/serviceitems\/","url_meta":{"origin":9987,"position":1},"title":"Services","author":"loyaltydw","date":"23\/09\/2022","format":false,"excerpt":"\u7a05\u52d9\u512a\u5316 Tax Planning \u5831\u7a05\u662f\u7fa9\u52d9\uff0c\u7701\u7a05\u662f\u6b0a\u5229\u3002 Strategies and solu\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":8504,"url":"https:\/\/lw-groups.com\/en\/life-insurance-details\/","url_meta":{"origin":9987,"position":2},"title":"Life Insurance Details","author":"loyaltydw","date":"10\/11\/2022","format":false,"excerpt":"Key takeaways *Prepare ahead so you can protect yo\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"Hierarchical chart explaining different types of life insurance.","src":"https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":8518,"url":"https:\/\/lw-groups.com\/en\/tax-strategy-details\/","url_meta":{"origin":9987,"position":3},"title":"Tax Strategy Details","author":"loyaltydw","date":"10\/11\/2022","format":false,"excerpt":"WHAT IS A ROTH IRA CONVERSION? If you currently ow\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2026\/02\/6ebaa137-fe64-407f-9bbd-ebb87da7f50f.jpeg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2026\/02\/6ebaa137-fe64-407f-9bbd-ebb87da7f50f.jpeg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2026\/02\/6ebaa137-fe64-407f-9bbd-ebb87da7f50f.jpeg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2026\/02\/6ebaa137-fe64-407f-9bbd-ebb87da7f50f.jpeg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":9504,"url":"https:\/\/lw-groups.com\/en\/real-estate-investment\/","url_meta":{"origin":9987,"position":4},"title":"Real Estate Investment","author":"loyaltydw","date":"19\/06\/2024","format":false,"excerpt":"\u5ef6\u671f\u9500\u552e\u4fe1\u6258\uff08Deferred Sales Trust\uff0cDST\uff09\u662f\u4e00\u79cd\u4e3b\u8981\u7528\u4e8e\u63a8\u8fdf\u51fa\u552e\u589e\u503c\u8d44\u4ea7\u7684\u8d44\u672c\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8816,"url":"https:\/\/lw-groups.com\/en\/long-term-care-details\/","url_meta":{"origin":9987,"position":5},"title":"Long Term Care Details","author":"loyaltydw","date":"07\/02\/2023","format":false,"excerpt":"What is Long-Term Care? Long-term care involves th\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=700%2C400&ssl=1 2x"},"classes":[]}],"_links":{"self":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages\/9987","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/users\/222663696"}],"replies":[{"embeddable":true,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/comments?post=9987"}],"version-history":[{"count":5,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages\/9987\/revisions"}],"predecessor-version":[{"id":10230,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages\/9987\/revisions\/10230"}],"wp:attachment":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/media?parent=9987"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\n\n\n\n
5. Avoid Probate<\/strong><\/h3>\n\n\n\n\n- Because the ILIT is a trust and the insurance payout goes directly into it, the\u00a0proceeds avoid probate<\/strong>, ensuring a faster and more private distribution.<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 6. Preserve Government Benefits<\/strong><\/h3>\n\n\n\n\n- With careful design, an ILIT can hold life insurance for a\u00a0disabled beneficiary<\/strong>\u00a0without disqualifying them from\u00a0government assistance<\/strong>\u00a0(e.g., SSI or Medicaid).<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 7. Gift Tax Planning with Crummey Powers<\/strong><\/h3>\n\n\n\n\n- Contributions to the ILIT (to pay insurance premiums) can qualify for the\u00a0annual gift tax exclusion<\/strong>\u00a0if beneficiaries are given “Crummey powers” (temporary withdrawal rights), reducing the need to use up lifetime gift exemptions.<\/li>\n<\/ul>\n\n\n\n
<\/p>\n\n\n\n<\/figure>\n\n\n\n<\/figure>","protected":false},"excerpt":{"rendered":"An Irrevocable Life Insurance Trust (ILIT) is […]<\/p>\n","protected":false},"author":222663696,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"footnotes":""},"class_list":["post-9987","page","type-page","status-publish","hentry"],"jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/Pe80is-2B5","jetpack-related-posts":[{"id":10302,"url":"https:\/\/lw-groups.com\/en\/estate-planning\/","url_meta":{"origin":9987,"position":0},"title":"Estate planning","author":"loyaltydw","date":"11\/08\/2025","format":false,"excerpt":"An\u00a0Irrevocable Life Insurance Trust (ILIT)&nb\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8165,"url":"https:\/\/lw-groups.com\/en\/serviceitems\/","url_meta":{"origin":9987,"position":1},"title":"Services","author":"loyaltydw","date":"23\/09\/2022","format":false,"excerpt":"\u7a05\u52d9\u512a\u5316 Tax Planning \u5831\u7a05\u662f\u7fa9\u52d9\uff0c\u7701\u7a05\u662f\u6b0a\u5229\u3002 Strategies and solu\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":8504,"url":"https:\/\/lw-groups.com\/en\/life-insurance-details\/","url_meta":{"origin":9987,"position":2},"title":"Life Insurance Details","author":"loyaltydw","date":"10\/11\/2022","format":false,"excerpt":"Key takeaways *Prepare ahead so you can protect yo\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"Hierarchical chart explaining different types of life insurance.","src":"https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":8518,"url":"https:\/\/lw-groups.com\/en\/tax-strategy-details\/","url_meta":{"origin":9987,"position":3},"title":"Tax Strategy Details","author":"loyaltydw","date":"10\/11\/2022","format":false,"excerpt":"WHAT IS A ROTH IRA CONVERSION? 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Long-term care involves th\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=700%2C400&ssl=1 2x"},"classes":[]}],"_links":{"self":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages\/9987","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/users\/222663696"}],"replies":[{"embeddable":true,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/comments?post=9987"}],"version-history":[{"count":5,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages\/9987\/revisions"}],"predecessor-version":[{"id":10230,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages\/9987\/revisions\/10230"}],"wp:attachment":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/media?parent=9987"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\n\n\n\n
6. Preserve Government Benefits<\/strong><\/h3>\n\n\n\n\n- With careful design, an ILIT can hold life insurance for a\u00a0disabled beneficiary<\/strong>\u00a0without disqualifying them from\u00a0government assistance<\/strong>\u00a0(e.g., SSI or Medicaid).<\/li>\n<\/ul>\n\n\n\n
\n\n\n\n 7. Gift Tax Planning with Crummey Powers<\/strong><\/h3>\n\n\n\n\n- Contributions to the ILIT (to pay insurance premiums) can qualify for the\u00a0annual gift tax exclusion<\/strong>\u00a0if beneficiaries are given “Crummey powers” (temporary withdrawal rights), reducing the need to use up lifetime gift exemptions.<\/li>\n<\/ul>\n\n\n\n
<\/p>\n\n\n\n<\/figure>\n\n\n\n<\/figure>","protected":false},"excerpt":{"rendered":"An Irrevocable Life Insurance Trust (ILIT) is […]<\/p>\n","protected":false},"author":222663696,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"footnotes":""},"class_list":["post-9987","page","type-page","status-publish","hentry"],"jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/Pe80is-2B5","jetpack-related-posts":[{"id":10302,"url":"https:\/\/lw-groups.com\/en\/estate-planning\/","url_meta":{"origin":9987,"position":0},"title":"Estate planning","author":"loyaltydw","date":"11\/08\/2025","format":false,"excerpt":"An\u00a0Irrevocable Life Insurance Trust (ILIT)&nb\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8165,"url":"https:\/\/lw-groups.com\/en\/serviceitems\/","url_meta":{"origin":9987,"position":1},"title":"Services","author":"loyaltydw","date":"23\/09\/2022","format":false,"excerpt":"\u7a05\u52d9\u512a\u5316 Tax Planning \u5831\u7a05\u662f\u7fa9\u52d9\uff0c\u7701\u7a05\u662f\u6b0a\u5229\u3002 Strategies and solu\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":8504,"url":"https:\/\/lw-groups.com\/en\/life-insurance-details\/","url_meta":{"origin":9987,"position":2},"title":"Life Insurance Details","author":"loyaltydw","date":"10\/11\/2022","format":false,"excerpt":"Key takeaways *Prepare ahead so you can protect yo\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"Hierarchical chart explaining different types of life insurance.","src":"https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":8518,"url":"https:\/\/lw-groups.com\/en\/tax-strategy-details\/","url_meta":{"origin":9987,"position":3},"title":"Tax Strategy Details","author":"loyaltydw","date":"10\/11\/2022","format":false,"excerpt":"WHAT IS A ROTH IRA CONVERSION? If you currently ow\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2026\/02\/6ebaa137-fe64-407f-9bbd-ebb87da7f50f.jpeg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2026\/02\/6ebaa137-fe64-407f-9bbd-ebb87da7f50f.jpeg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2026\/02\/6ebaa137-fe64-407f-9bbd-ebb87da7f50f.jpeg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2026\/02\/6ebaa137-fe64-407f-9bbd-ebb87da7f50f.jpeg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":9504,"url":"https:\/\/lw-groups.com\/en\/real-estate-investment\/","url_meta":{"origin":9987,"position":4},"title":"Real Estate Investment","author":"loyaltydw","date":"19\/06\/2024","format":false,"excerpt":"\u5ef6\u671f\u9500\u552e\u4fe1\u6258\uff08Deferred Sales Trust\uff0cDST\uff09\u662f\u4e00\u79cd\u4e3b\u8981\u7528\u4e8e\u63a8\u8fdf\u51fa\u552e\u589e\u503c\u8d44\u4ea7\u7684\u8d44\u672c\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8816,"url":"https:\/\/lw-groups.com\/en\/long-term-care-details\/","url_meta":{"origin":9987,"position":5},"title":"Long Term Care Details","author":"loyaltydw","date":"07\/02\/2023","format":false,"excerpt":"What is Long-Term Care? Long-term care involves th\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2023\/02\/longterm-care.png?resize=700%2C400&ssl=1 2x"},"classes":[]}],"_links":{"self":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages\/9987","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/users\/222663696"}],"replies":[{"embeddable":true,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/comments?post=9987"}],"version-history":[{"count":5,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages\/9987\/revisions"}],"predecessor-version":[{"id":10230,"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/pages\/9987\/revisions\/10230"}],"wp:attachment":[{"href":"https:\/\/lw-groups.com\/en\/wp-json\/wp\/v2\/media?parent=9987"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\n\n\n\n
7. Gift Tax Planning with Crummey Powers<\/strong><\/h3>\n\n\n\n\n- Contributions to the ILIT (to pay insurance premiums) can qualify for the\u00a0annual gift tax exclusion<\/strong>\u00a0if beneficiaries are given “Crummey powers” (temporary withdrawal rights), reducing the need to use up lifetime gift exemptions.<\/li>\n<\/ul>\n\n\n\n
<\/p>\n\n\n\n<\/figure>\n\n\n\n<\/figure>","protected":false},"excerpt":{"rendered":"An Irrevocable Life Insurance Trust (ILIT) is […]<\/p>\n","protected":false},"author":222663696,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"footnotes":""},"class_list":["post-9987","page","type-page","status-publish","hentry"],"jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/Pe80is-2B5","jetpack-related-posts":[{"id":10302,"url":"https:\/\/lw-groups.com\/en\/estate-planning\/","url_meta":{"origin":9987,"position":0},"title":"Estate planning","author":"loyaltydw","date":"11\/08\/2025","format":false,"excerpt":"An\u00a0Irrevocable Life Insurance Trust (ILIT)&nb\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8165,"url":"https:\/\/lw-groups.com\/en\/serviceitems\/","url_meta":{"origin":9987,"position":1},"title":"Services","author":"loyaltydw","date":"23\/09\/2022","format":false,"excerpt":"\u7a05\u52d9\u512a\u5316 Tax Planning \u5831\u7a05\u662f\u7fa9\u52d9\uff0c\u7701\u7a05\u662f\u6b0a\u5229\u3002 Strategies and solu\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":8504,"url":"https:\/\/lw-groups.com\/en\/life-insurance-details\/","url_meta":{"origin":9987,"position":2},"title":"Life Insurance Details","author":"loyaltydw","date":"10\/11\/2022","format":false,"excerpt":"Key takeaways *Prepare ahead so you can protect yo\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"Hierarchical chart explaining different types of life insurance.","src":"https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":8518,"url":"https:\/\/lw-groups.com\/en\/tax-strategy-details\/","url_meta":{"origin":9987,"position":3},"title":"Tax Strategy Details","author":"loyaltydw","date":"10\/11\/2022","format":false,"excerpt":"WHAT IS A ROTH IRA CONVERSION? 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<\/p>\n\n\n\n An Irrevocable Life Insurance Trust (ILIT) is […]<\/p>\n","protected":false},"author":222663696,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"footnotes":""},"class_list":["post-9987","page","type-page","status-publish","hentry"],"jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/Pe80is-2B5","jetpack-related-posts":[{"id":10302,"url":"https:\/\/lw-groups.com\/en\/estate-planning\/","url_meta":{"origin":9987,"position":0},"title":"Estate planning","author":"loyaltydw","date":"11\/08\/2025","format":false,"excerpt":"An\u00a0Irrevocable Life Insurance Trust (ILIT)&nb\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8165,"url":"https:\/\/lw-groups.com\/en\/serviceitems\/","url_meta":{"origin":9987,"position":1},"title":"Services","author":"loyaltydw","date":"23\/09\/2022","format":false,"excerpt":"\u7a05\u52d9\u512a\u5316 Tax Planning \u5831\u7a05\u662f\u7fa9\u52d9\uff0c\u7701\u7a05\u662f\u6b0a\u5229\u3002 Strategies and solu\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/lw-groups.com\/wp-content\/uploads\/2022\/11\/international.jpeg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":8504,"url":"https:\/\/lw-groups.com\/en\/life-insurance-details\/","url_meta":{"origin":9987,"position":2},"title":"Life Insurance Details","author":"loyaltydw","date":"10\/11\/2022","format":false,"excerpt":"Key takeaways *Prepare ahead so you can protect yo\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"Hierarchical chart explaining different types of life insurance.","src":"https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.fidelity.com\/bin-public\/060_www_fidelity_com\/images\/Viewpoints\/WM\/insurance-tree.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":8518,"url":"https:\/\/lw-groups.com\/en\/tax-strategy-details\/","url_meta":{"origin":9987,"position":3},"title":"Tax Strategy Details","author":"loyaltydw","date":"10\/11\/2022","format":false,"excerpt":"WHAT IS A ROTH IRA CONVERSION? 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